Merrick Bank Reviews & Info

At Merrick Bank, they thrive off the diversity of their employees, clients, and communities to help them build a stronger and safe environment for all. Their success comes from a collective group of highly capable, unique and innovative people who create an engaging and inclusive workplace. Merrick Bank relies on the individual differences and life experiences of their workforce to better serve their national customer base. Merrick Bank is proud to work with clients from a wide range of cultures, backgrounds, and perspectives. They strive to maintain a culture where all of their customers feel welcomed and included so they can fully support their financial needs. They offer a comprehensive range of products and services, including credit programs that assist people looking to build or rebuild their credit, business service, loans, merchant services, and online banking technologies. Their mission is to make a positive difference in the lives of their customers, employees, and community. To them, this is the definition of respect. So in everything they do, they strive to do it with honesty, dependability, and innovation.

Merrick Bank Review Highlights

3.7

Merrick bank unsecured is one of the first cards that i got when building up my credit. I have never missed a payment so they have upped my limit several times. High interest card but if you pay it off monthly, not an issue. Here is where i was floored: for the first time since opening the card, I needed a replacement card, due to me damaging the card. They charged me $15 to replace it. I have several other cards. I have never been charged to replace it. You would think with a $15 charge they would at least over night it. Nope. That costs $49. A good customer service rep would have waived the $15 for a customer in good standing, like myself. But alas, no. 2 stars... do better merrick bank.…show more

This card is another must have when you comes to those that need a jump start on rebuilding their credit! I made a few mistakes when I was young but this card has helped me rebuild my credit. The APR is actually decent! And the limit is equally nice (it allowed me additional financial freedom). I love using this card when we travel to pay at the gas pumps. They have one of the best fraud protection packages available and being military we move A LOT!! I am so glad I found this card! Just make sure you make your payments on time and after six months they will up your credit limit!! I just wish they came in different colors!!…show more

HORRIBLE!! Been with them for years and every time I make any large payment I have to wait for a week to use the credit line. I have never had an nsf check to them. And the attitude of the people is crap. All they say is " that's just the policy".

This is a great credit card company and would do business with again, but the only problem that I had last year when I had the card is that I ended up closing my account due to a misrepresentation about the secured visa card from merrick bank based on what a representative there told me.

This is ridiculous. I spoke with a VERY ANGRY, VERY RUDE, unwilling to listen representative. I was unable to log into my account and I simply needed a password reset. It took me more that 15 minutes to get a password reset after being transferred. I NEVER thought it would be soo difficult to simply make a payment.

This is not a credit card, it’s a secured credit card which means you have to put down a deposit amount that you want to make your credit limit. Most secured cards require no less than a $300 deposit and have “processing fee’s” when you apply (First Premier). This one does not. This is great for establishing credit and payment history (reports to all 3 bureaus). The annual fee is high, $36, but the best option for those who don’t have great credit.…show more

This is a great card for someone who really wants to try to get their credit back on track. They gave me a fairly substantial credit limit -- more than any of the other cards I had up to that point. The interest fee is very, very reasonable. I was expecting much higher when I got my first bill, but it was surprising to see it so low, and it hasn't budged since then. I had one time when I couldn't pay my bill on time and I called customer service, who were kind enough to give me an extension with no issue. I can't say that I have any complaints. I seem to be the kind of person they're looking for, as far as customers go, and I'm glad they were willing to work with me.…show more

My Merrick unsecured credit card has no annual fee, no maintenance fee, no set up fee, 0% interest for first 6 months, on any amount charged.After the first 6 months the interest rate starts at 26%, about what the average store closed loop card charges in interest. Credit limit started at $700.00 and will double to $1,400.00 after the first 7 months of proper payment, and use.

I highly recommend Merrick Bank, Very professional and they have great customer service, as an Allstate Insurance Catastrophe Sr. Claims Analysis Catastrophe Adjuster for Home’s Auto Boats and Aircraft Licensed for all US States, with a 36 year credit history I know customer service, Merrick Bank is for me.

It's a great card for rebuilding credit with no hassles or hidden fees. I've had this card for about three years and have no complaints. Their website could use some updates but it still gets the job done.

I love love LOVE My Merrick card. I never thought anyone would ever give me a credit card, but I guess Merrick's target customer base is people who seem to be trying to rectify their credit mistakes, and they want to give them a chance to continue to rebuild their credit. I was a little hesitant at first when it came to getting the card because of the reviews I read, but common sense says that since most of the reviews were bad b/c the writers were peeved at Merrick b/c of late fees incurred b/c the payment was, in fact, late, that it was best to go ahead and get the card, and I'm glad that I did. Customer Service is quick, responsive, and polite, I get my statements online so I have them in plenty of time to make my payment, which I can do online with no added fees. It's a good card, and I'm glad I have it.…show more

I have had a great experience using my credit card from Merrick bank. When I ordered it the card came really quick in the mail. I was given a great credit limit. Making payments is really easy also. All you have to do is send it through Western Union. There is also an option to transfer money from your bank account to your card which I think is really great. Whenever I have to call customer support on the phone I am always given and operator to speak to in a timely manner. I am never on hold for long while calling and everyone is always polite, nice, and help me with anything that I need. I think if you are going to get a credit card consider Merrick Bank. I have had a great experience.…show more

Had my Merrick Double Your Line card for about 8 months. They started me out with 700 after I received a pre-approved offer in the mail. Before the 7th statement closed they doubled my line just as promised. Now I sit at 1400. Good company

I was promised a increase after making 6 payments on time and promise wasn’t kept now they saying my account go up for review in 2 more months when right now I needed it the most in 1 more week my maternity leave will be up which means I will be back at work so it wouldn’t be no need for a credit increase..just need folks to be more honest

DONT GET THIS CARD!! Locked me out the first day i used it when i changed my PIN!! I travel all over the globe and tehy want a current US address and i dont have one. so card is useless!! DO NOT GET THIS CARD!! If i could rate this card negative 5 stars i would do it! Waste of time. I just use it as a current account while the card collects dust! PIECE OF CRAP! THANKS MERRICK FOR SELLING PRODUCT THATS USELESS!…show more

This is a very nice product for someone who eats hooters frequently or semi-frequently! The potential for the 5 points per dollar reward is awesome but you need to eat at hooters a lot to reap those benefits. Other than that it is still a nice card with no drawbacks, no annual fee is refreshing and I think reasonable considering this is a very niche credit card. Zero liability on unauthorized purchases is nice so you can use it for other things but will only get one point instead of 5. In short, this is the card to for you if love to eat at hooters!…show more

Who doesn't love Hooters! Really though, the Hooters Credit Card was made for someone who patronizes Hooters a lot... at 5 points back per dollar purchased at Hooters, that equates to a nice 5% from all purchases from any girls wearing white tank tops and orange shorts. Other than Hooters, it offers 1 point when you don't shop at Hooters - making this card pretty limited if you're looking to use it anywhere else. I honestly don't think I would eat at Hooters enough to quite take advantage of the 5 points per dollar rewards program, so I'd be likely to look elsewhere - for a similar card, I would go for something from Chase Bank.…show more

I like this specific secured credit card, because of the rather large positive effect it has had on my overall credit score. Also I was easily pre-approved for a 3000$ credit line which was extremely easy.

Very poor customer service. Have been with them for a couple of years. Noticed on my statement that I was charged a late fee for being one day late on my payment. I had never been late before with a perfect payment history. When I called and talked to customer service they told me I was 2 days late and I had to correct them as I was looking at my online statement. Was not pleased customer service lied to me and not pleased that they would not give a good customer a 1 day break. I have closed this account.…show more

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